How Much Does Window Cleaning Business Insurance Cost? 2025 Rates

U.S. window cleaning businesses can expect to pay between $780 and $960 annually for comprehensive business insurance, averaging $65 to $80 per month. The primary cost drivers are business size, location, coverage limits, employee count, claims history, equipment used, type of properties serviced, and experience level.

How Much Does Window Cleaning Insurance Cost?

In the U.S., window cleaning businesses typically spend between $780 and $960 annually on a complete insurance package, which averages out to around $65 to $80 per month. However, these figures are just estimates, and actual costs can differ significantly based on factors unique to your business. 

If you own a window cleaning business, having the right insurance is important to protect your company and your workers. The cost of window cleaning insurance can vary based on things like the size of your company, how many employees you have, your business location, and the types of coverage you need. 

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Location (affects commercial property coverage)
• Services offered (affects general liability and workers compensation)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

By understanding these factors, you’ll be better equipped to estimate your insurance requirements and plan for the actual costs of safeguarding your window cleaning business. 

Average Window Cleaning Insurance Costs For Coverage Types

When it comes to insuring your window cleaning business, the cost can vary depending on the type of coverage you choose. There are different types of insurance that protect you, your employees, and your equipment in case of accidents or damage. Let’s look at the average costs for different types of window cleaning insurance so you can get a better idea of what to expect and what’s best for your business. 

• General liability insurance: $65 per month
• Business owner’s policy: $80 per month
• Workers’ compensation insurance: $141 per month
• Commercial auto insurance: $168 per month
• Commercial umbrella insurance: $84 per month
• Janitorial bonds: $11 per month

General Liability Insurance

The average cost of general liability insurance for a window cleaning business is about $65 per month.

General liability insurance is one of the most important types of insurance for any window cleaning business. It protects you if something goes wrong while you’re working. This type of insurance is important because accidents can happen, even if you’re careful. It gives you peace of mind knowing you’re financially protected if something unexpected happens. 

Several factors impact the cost, including the business size, location, previous claims history, the type of window cleaning work you do, and any subcontractors or additional insured endorsements.

Policy limits: $1 million per occurrence and $2 million aggregate.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual premiums for window cleaning businesses, compiled from both national carriers and regional insurance agencies. They reflect typical coverage limits for small-to-medium operations, considering risks such as ladder use, high-rise cleaning, property damage, and customer injury. Actual premiums will vary depending on business size, number of employees, claims history, type of properties serviced (residential vs. commercial), and state-specific regulations.

Business Owner’s Policy (BOP)

The average cost of a business owner’s policy (BOP) is about $80 per month for window cleaning business.

A BOP is a package that combines several types of insurance into one plan, designed to cover common risks that small businesses face. For a window cleaning business, a BOP typically includes general liability insurance and property insurance. 

A BOP may also offer additional coverage like business interruption insurance, which helps cover lost income if your business has to stop operating because of a covered event, like fire or natural disaster. 

The benefit of a BOP is that it usually costs less than buying each type of insurance separately. 

Cost factors include the business size, value of your window cleaning equipment and other property.

Policy limits: $1 million per occurrence and $2 million aggregate.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates reflect average Business Owner’s Policy (BOP) premiums for window cleaning businesses, which typically combine general liability and commercial property coverage. Figures account for industry-specific risks such as employee injury from ladder or lift use, equipment damage, liability for property damage at client sites, and theft or vandalism of tools. Actual premiums will vary depending on business size, number of employees, location, coverage limits, property value, and claims history.

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for a window cleaning business is around $141 per month.

Workers compensation insurance is designed to protect both you and your employees if someone gets injured or becomes ill while working. For a window cleaning business, this might cover things like a worker falling from a ladder or getting hurt while cleaning windows. 

Premiums are influenced by the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

In many states, workers compensation is required by law, especially if you have employees. Even if it’s not required, it’s still a good idea to have this insurance to protect your workers and your business. 

State rules determine the coverage limits, but they usually include payment for medical treatment and a portion of the employee’s lost wages, often without a strict maximum amount. 

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual Workers’ Compensation premiums for window cleaning businesses, incorporating state-specific base rates, employee classifications, and payroll ranges typical of both small independent contractors and larger commercial cleaning companies. Actual premiums will vary depending on your business’s size, claims history, number of employees, and insurer underwriting practices.

Commercial Auto Insurance

The average cost of commercial auto insurance for a window cleaning business is about $168 per month.

Commercial auto insurance is a type of insurance that covers vehicles used for business purposes. It can cover things like repairs, medical bills, and damage to other vehicles or property if you’re at fault in an accident. 

This type of insurance is important if you use a vehicle for business, as personal auto insurance may not cover accidents that happen while you’re working. 

Factors influencing the cost include the number and type of vehicles, how often they are used, policy limits, claims history, and the driving records of anyone permitted to drive.

In most states, businesses are required to have commercial auto insurance for vehicles they own. If you use a personal vehicle, a rental, or a leased vehicle for work, you’ll need hired and non-owned auto insurance (HNOA) instead. 

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual Commercial Auto Insurance premiums for window cleaning businesses, incorporating state-specific base rates, vehicle usage patterns, and payroll ranges typical of both small independent contractors and larger commercial cleaning companies. Actual premiums will vary depending on the number of vehicles owned, driving records of employees, business mileage, claims history, and insurer underwriting practices.

Commercial Umbrella Insurance

The average cost of commercial umbrella insurance for a window cleaning business is about $84 per month.

Commercial umbrella insurance gives your business extra protection by adding more coverage on top of your other insurance policies, like general liability or commercial auto. It helps cover big claims that go over the limits of your regular insurance.

For example, one of your employees drops equipment from a high-rise building and seriously injures someone below. If the medical bills and legal costs go beyond what your general liability policy covers, your commercial umbrella insurance would kick in and help cover the rest.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual Commercial Umbrella Insurance premiums for window cleaning businesses, incorporating state-specific liability environments, coverage limits, and payroll ranges typical of both small independent contractors and larger commercial cleaning companies. Actual premiums will vary depending on your business’s size, claims history, number of employees, and insurer underwriting practices.

Janitorial Bonds

The average cost of janitorial bonds for a window cleaning business is about $11 per month.

Janitorial bonds are a type of insurance that protects your customers if one of your employees steals from them while on the job.

Window cleaners often work inside homes, offices, and other private spaces. If a customer accuses your worker of stealing something valuable, a janitorial bond can help pay the customer back. It also shows customers that your business is trustworthy and helps you look more professional.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual Janitorial Bonds Insurance premiums for window cleaning businesses, incorporating state-specific liability environments, employee classifications, and payroll ranges typical of both small independent contractors and larger commercial cleaning companies. Actual premiums will vary depending on your business’s size, claims history, number of employees, and insurer underwriting practices.

Window Cleaning Business Insurance Costs By Provider

Window cleaning business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: These estimates are based on average annual premiums for window cleaning businesses, considering both small and large agencies. Coverage typically includes general liability, workers’ compensation, commercial auto, property insurance for equipment, and umbrella liability. Actual premiums will vary depending on factors such as business size, number of employees, height/risk exposure of jobs, location, claims history, and coverage limits.

What Factors Impact Your Window Cleaning Insurance Costs?

When it comes to window cleaning insurance, several factors can affect how much you’ll pay. Insurance companies, or underwriters, consider things like the size of your business, the number of employees, and the types of services you offer when setting your rates. Here are the main factors that impact your window cleaning insurance costs, so you can better understand what might affect your premiums. 

Type Of Window Cleaning Work

Different types of window cleaning come with different risks. Cleaning high-rise buildings usually costs more to insure than cleaning small homes because of the greater chance of accidents.

Use Of Equipment

Using special equipment like scaffolding, lifts, or water-fed poles can increase your insurance costs because they add risk.

Location

Window cleaning businesses in busy cities or areas with bad weather might pay more for insurance. Safer neighborhoods with fewer claims can lower your rates.

Size Of Your Business

A bigger business with more employees, vehicles, and clients usually pays more for insurance. More workers means higher workers’ compensation costs.

Value Of Tools And Equipment

Expensive tools like lifts, and cleaning machines increase your property insurance costs. Protecting these tools is important since they are costly to replace.

Claims History

If your business has made many insurance claims before, insurers will see you as riskier and charge more. Having a clean record can help lower your premiums.

Insurance Company

Different insurance companies offer different prices. Some specialize in cleaning businesses and might give you better rates. It’s smart to compare quotes before choosing a policy.

How To Lower Your Window Cleaning Insurance Costs

Running a window cleaning business means dealing with various costs, and insurance is one of the most important but often expensive ones. Here are some practical ways to lower your window cleaning insurance costs:

1. Policy Bundles

This means buying multiple types of insurance from the same company. For example, you can combine general liability, workers compensation, and commercial auto insurance into one package. Insurance companies often offer discounts when you bundle, which can save you money.

2. Increase Deductible

If you raise your deductible, your monthly premium (the amount you pay for insurance) will usually be lower. Just make sure you can afford to pay the deductible if you need to make a claim. 

3. Shop Around

Don’t just accept the first quote you get. Different insurance companies offer different rates and coverage options, so it’s a good idea to compare prices. By shopping around, you might find a better deal or more affordable coverage for your business. 

4. Pay Annually Instead Of Monthly

Many insurance companies offer a discount if you pay for your insurance in one lump sum for the whole year, rather than paying monthly. While it costs more upfront, you may save money over time. 

5. Implement Safety Measures

If you can show that your business takes steps to reduce risks (like using safe equipment, following safety guidelines, and training workers), insurance companies might offer lower rates. The safer your business is, the less likely you are to make a claim, which can result in discounts.